No xmas gifts, no bar nights, no eating out, very little perks. 

So i'am looking for a tax advisor to unravel the IRS intricate point of view.

What an incredible gift you've given all your children!

If you can borrow at 2-3% against retirement, to earn 10% market appreciation, this is a win.If you're a first time home buyer per IRS definition (no homeownership in the past 3 years), you may be able to pull up to $10,000 from an IRA penalty free (not necessarily tax free).Gift from a family memberBorrow against a cash-value life insurance policy

If the "thank you" gifts are any indication of how the company is doing, I can't tell you how many "thank you" gifts that I have received from PPR.  

Looks like rodents are chewing some books and some gifts.

Did you have to sign a gift deed transfer to Scott Smith as a trustee?

The reserve funds must be in the borrower’s account before the new VA loan closes.o Gift funds cannot be used to meet reserve requirements.• Analysis of Rental Property Incomeo Each property(ies) must have a 2-year rental history itemized on the borrower’s tax return.o Property depreciation claimed as a deduction on the tax returns may be included in effective income.o If after adding depreciation to the negative rental income, the borrower still has rental loss, the negative income should be deducted from the overall income as it reduces the borrower’s income.o If rental income will not, or cannot be used, then the full mortgage payment should be considered and reserves do not need to be considered

And I love the idea of talking with the tenants before closing as well, maybe I will give them a gift card for their time or something.

Contributions count towards the gift limit so they can shelter $14,000/year in an account that helps out a family member.